WO2022108293A1

WO2022108293A1 - Method and system for detecting abnormal use of vehicle by subscriber to vehicle insurance linked to travel distance

Info

Publication number: WO2022108293A1
Application number: PCT/KR2021/016724
Authority: WO
Inventors: 한용희; 민영석
Original assignee: 캐롯손해보험 주식회사
Priority date: 2020-11-23
Filing date: 2021-11-16
Publication date: 2022-05-27
Also published as: KR102428351B1; KR20220071021A

Abstract

Disclosed are a method and system for detecting abnormal use of a vehicle by a subscriber to vehicle insurance linked to travel distance. According to an embodiment of the present disclosure, provided is a method for detecting abnormal use of a vehicle by a subscriber to vehicle insurance linked to travel distance, the method comprising the processes in which a management server: receives the MAC address of a Bluetooth module provided in the vehicle and an identifier of the subscriber from a mobile terminal having installed thereon an application for transmitting the MAC address and the identifier; matches the received MAC address and identifier with subscriber information stored in the management server; determines whether vehicle GPS information is being periodically received from a location information terminal configured to be attachable to and detachable from the vehicle; and transmits an abnormal use suspicion signal for the subscriber to an insurance company server if the vehicle GPS information is not periodically received.

Description

Method and system for detecting anomalous use of vehicle by subscribers of mileage-linked auto insurance

The present disclosure relates to a method and system for detecting anomalous use of a vehicle by a subscriber of mileage-linked automobile insurance.

The content described in this section merely provides background information for the present disclosure and does not constitute the prior art.

Vehicle owners are obliged to purchase car insurance in order to prepare for accidents caused by automobiles. Meanwhile, since each vehicle owner has a different purpose of using a vehicle, various types of automobile insurance exist according to the purpose of use.

Among them, the mileage-linked auto insurance, which determines the premium according to the mileage of the vehicle, does not pay the same amount every month or every year, unlike general car insurance, but the insurance premium equal to the amount the vehicle owner drives each month. It is a car insurance that you pay only for. In particular, many vehicle owners who commute to work by public transport and drive only on weekends, or who do not normally drive a vehicle, are purchasing mileage-linked car insurance.

Meanwhile, in order to accurately calculate insurance premiums for mileage-linked car insurance, it is essential to accurately measure and verify vehicle mileage. Accordingly, the existing prior art is configured to install or mount a separate Global Positioning System (GPS) transceiver in a vehicle, or transmit vehicle GPS information to a server using the vehicle owner's portable terminal, so that the vehicle's mileage is calculating

However, in these prior technologies, the vehicle owner intentionally turns off the power of a device installed in the vehicle or a mobile terminal, detaches a device configured to be installed in the vehicle, or obstructs the transmission and reception of GPS information. there is no way If the vehicle owner fails to detect such malicious anomalous behavior, the insurance company can suffer huge losses.

Accordingly, the present disclosure is intended to solve these problems, and by detecting and preventing the anomalous behavior of the vehicle owner, receiving accurate GPS information of the vehicle, and measuring an accurate mileage accordingly, detecting anomaly use for calculating accurate insurance premiums The main object is to provide a method and system.

According to an embodiment of the present disclosure for achieving this object, in a method for detecting anomalous use of a vehicle by a subscriber of mileage-linked car insurance, the management server includes: a MAC address of a Bluetooth module provided in the vehicle; receiving the MAC address and the identifier from a mobile terminal in which an application for transmitting an identifier of a subscriber is installed; matching, by the management server, the received MAC address and the identifier with subscriber information stored in the management server; determining, by the management server, whether vehicle GPS information is periodically received from the location information terminal configured to be detachable from the vehicle; and when the vehicle GPS information is not received periodically, the management server transmits a suspicious use signal for the subscriber to the insurance company server.

In addition, the management server configured to calculate the vehicle mileage of the subscriber of the mileage-linked car insurance; an application installed by a mobile terminal owned by the insurance subscriber and configured to transmit a MAC address of a Bluetooth module provided in the vehicle and an identifier of the subscriber to the management server; and a location information terminal configured to be detachably attached to the vehicle and configured to transmit, to the management server, geographic location information received from a global navigation system (GNSS) as vehicle GPS information, wherein the management server includes the MAC A system characterized in that it is configured to receive an address and the identifier and match it with subscriber information stored in the management server, and to determine a suspicious situation of anomaly use based on whether the vehicle GPS information is periodically received from the location information terminal provides

In addition, in the method of detecting anomalous use of the vehicle by the subscriber of the mileage-linked car insurance, the management server transmits the MAC address of the Bluetooth module provided in the vehicle and the identifier of the subscriber from the mobile terminal installed with the application. , receiving the MAC address and the identifier; matching, by the management server, the received MAC address and the identifier with subscriber information stored in the management server; determining, by the management server, whether information on a beacon signal transmitted from a location information terminal configured to be detachable from the vehicle has been received from the portable terminal; and when the management server does not receive the information on the beacon signal from the portable terminal, the management server transmits a suspicious use suspicious signal to the insurance company server.

In addition, the management server configured to calculate the vehicle mileage of the subscriber of the mileage-linked car insurance; an application installed by a mobile terminal owned by the insurance subscriber and configured to transmit a MAC address of a Bluetooth module provided in the vehicle and an identifier of the subscriber to the management server; and location information configured to be detachably attached to the vehicle, configured to transmit, to the management server, geographic location information received from a global navigation system (GNSS) as vehicle GPS information, and configured to transmit a beacon signal to the portable terminal a terminal, wherein the management server receives the MAC address and the identifier and matches the subscriber information stored in the management server, and determines whether the vehicle GPS information is periodically received from the location information terminal and from the mobile terminal It provides a system characterized in that it is configured to determine a suspicious use of anomaly based on whether the information on the beacon signal is received.

As described above, according to the present embodiment, by detecting and preventing an anomalous behavior of the vehicle owner, it is possible to receive accurate GPS information of the vehicle, measure an accurate mileage accordingly, and calculate an accurate insurance premium.

1 is a block diagram of a system for detecting anomaly according to an embodiment of the present disclosure.

2 is a flowchart of a method for detecting anomaly according to a first embodiment of the present disclosure.

3 is a flowchart of a method for detecting anomalous use according to a second embodiment of the present disclosure.

Hereinafter, some embodiments of the present disclosure will be described in detail with reference to exemplary drawings. In adding reference numerals to components in each drawing, it should be noted that the same components are given the same reference numerals as much as possible even though they are indicated in different drawings. In addition, in describing the present disclosure, if it is determined that a detailed description of a related known configuration or function may obscure the gist of the present disclosure, the detailed description thereof will be omitted.

In describing the components of the embodiment according to the present disclosure, reference numerals such as first, second, i), ii), a), b) may be used. These signs are only for distinguishing the elements from other elements, and the essence, order, or order of the elements are not limited by the signs. In the specification, when a part 'includes' or 'includes' a certain element, it means that other elements may be further included, rather than excluding other elements, unless explicitly stated otherwise. .

1, the anomalous use detection system according to an embodiment of the present disclosure is a location information terminal (location information terminal, 100), a portable terminal (portable terminal, 120), a management server (management server, 140) and an insurance company server (insurance company server, 160) in whole or in part.

The location information terminal 100 is configured to be detachable from the vehicle, and transmits the geographic location information received from the Global Navigation Satellite System (GNSS) to the management server 140 as vehicle Global Positioning System (GPS) information. is configured to For example, the location information terminal 100 may be configured in the form of a plug to be attached to and detached from a cigar jack in the vehicle, but as long as it can be mounted on the vehicle, it is not necessarily limited thereto.

The location information terminal 100 may be mounted on a vehicle so that the power is turned on when the vehicle is started, and the power is turned off when the vehicle is started. In this case, when the vehicle is started, the power of the location information terminal 100 is turned on, and accordingly, the location information terminal 100 may transmit vehicle GPS information to the management server 140 .

The location information terminal 100 may transmit an access signal to the management server 140 as soon as the vehicle is started. The access signal is a signal transmitted when the location information terminal 100 starts to operate, and the management server 140 may determine that the vehicle is expected to travel by receiving the access signal.

On the other hand, the location information terminal 100 may be configured to transmit a beacon signal to the portable terminal 120, and for this, the location information terminal 100 is a beacon signal generating unit 106 ) may be included. In this case, the beacon signal generated by the beacon signal generating unit 106 may be transmitted to the portable terminal 120 at least once at a preset period using short-range wireless communication, for example, BLE (Bluetooth Low Energy).

Also, the beacon signal may include information corresponding to subscriber information stored in the management server 140 . That is, information corresponding to the subscriber information may be included in the beacon signal so that it can be determined whether the beacon signal is transmitted from the location information terminal 100 of which of the car insurance subscribers.

Meanwhile, vehicle GPS information is information for specifying the location of the vehicle, and may include, for example, latitude and longitude values. The location information terminal 100 may include a first GPS value generating unit 102 configured to receive a GPS signal from a satellite and generate a vehicle GPS value by itself. However, the location information terminal 100 does not necessarily include the first GPS value generating unit 102, and may be configured to generate a GPS value using a separate GPS receiver provided inside the vehicle. .

The location information terminal 100 may include a first wireless transmission and reception unit 104 for transmitting a beacon signal and vehicle GPS information. In addition, the first wireless transceiver 104 may include a short-range wireless transmission and reception unit (not shown) and a long-distance wireless transmission and reception unit (not shown). have. The short-range wireless transceiver is for communication with the portable terminal 120 , and the long-distance wireless transceiver is for communication with the management server 140 . Bluetooth (Bluetooth) may be used for short-range wireless communication and LTE (Long Term Evolution) may be used for long-distance wireless communication, but is not necessarily limited thereto.

An application 122 that transmits the MAC (Media Access Control) address of the Bluetooth module provided in the vehicle and the subscriber's identifier to the management server 140 may be installed in the mobile terminal 120 owned by the insurance subscriber. have. Here, the identifier of the subscriber may be, for example, the policy number of the insurance subscriber logged into the application 122 .

Also, the application 122 may transmit the Bluetooth name of the Bluetooth module to the management server 140 . Using the Bluetooth name, the management server 140 may determine whether a device wirelessly connected to the portable terminal 120 is a vehicle.

The mobile terminal 120 may be wirelessly connected to a vehicle, and may use Bluetooth for wireless connection to the vehicle, but is not limited thereto. Also, the mobile terminal 120 may include a second wireless transmission and reception unit 124 for transmitting the Bluetooth name, MAC address, and ID of the subscriber to the management server 140 . The second wireless transceiver 124 may transmit the MAC address and the subscriber's identifier to the management server 140 using long-distance wireless communication, for example, LTE. In addition, when the mobile terminal 120 receives the beacon signal from the location information terminal 100 , the information on the beacon signal may be transmitted to the management server 140 again using the second wireless transceiver 124 . .

Meanwhile, the mobile terminal 120 may include a second GPS value generating unit 126 configured to receive a GPS signal from a satellite of the mobile terminal 120 to generate a GPS value, and the received and an SNR value generating unit 128 configured to generate a signal to noise ratio (SNR) value of the GPS signal. In this case, the mobile terminal 120 generates the GPS information of the mobile terminal 120 and SNR information for the GPS signal, and transmits the information to the management server 140 using the second wireless transceiver 124 . have.

The management server 140 is configured to receive vehicle GPS information from the location information terminal 100 . Accordingly, the management server 140 may calculate the vehicle mileage of the subscriber of the mileage-linked car insurance.

In addition, the management server 140 may be configured to receive information about the beacon signal, a MAC address, and an identifier of a subscriber from the portable terminal 120 , and in addition, the Bluetooth name of the vehicle Bluetooth module and the GPS of the portable terminal 120 . It may be configured to receive information and SNR information for a GPS signal. To receive these signals and information, the management server 140 may include a first server communication unit (first server communication unit, 142). The first server communication unit 142 may support wired/wireless communication.

In addition, the management server 140 may include a subscriber information storage unit (subscriber information storage unit, 144) in which information about the car insurance subscriber is stored. This is to determine whether the various signals received from the location information terminal 100 and the mobile terminal 120 correspond to which subscriber. The subscriber information may include, for example, the subscriber's name, the subscriber's vehicle, and the subscriber's insurance number.

On the other hand, the management server 140 receives the MAC address and the identifier of the subscriber and matches the subscriber information stored in the management server 140 , and checks whether vehicle GPS information is periodically received from the location information terminal 100 . It may be configured to determine an anomalous usage suspicious situation based on the In addition, it may be configured to determine the suspicious use of anomaly based on whether information on the beacon signal is received from the portable terminal 120 .

Meanwhile, the management server 140 may include a control unit 146 , and in this case, the control unit 146 may make the above determination. For example, the control unit 146 cannot receive vehicle GPS information from the location information terminal 100 or the beacon signal from the portable terminal 120 despite the management server 140 receiving the MAC address and the subscriber identifier. If the information is not received, it can be judged as a suspicious situation of anomalous use.

The management server 140 may be configured to determine whether there is an anomalous use suspicious situation based on an error and SNR information between the GPS information of the portable terminal 120 and the GPS information of the location information terminal 100 . When the management server 140 includes the control unit 146 , the control unit 146 may also make such a determination.

Meanwhile, the control unit 146 controls the mobile terminal 120 to transmit the GPS information and SNR information to the management server 140 so that the management server 140 transmits a GPS information generation command signal to the mobile terminal 120 . can be controlled At this time, the GPS information generation command signal may be transmitted to the portable terminal 120 using the first server communication unit 142 , and the portable terminal 120 receives the above signal using the second wireless transmission/reception unit 124 . can do.

In this case, the portable terminal 120 may be configured to transmit GPS information and SNR information to the management server 140 when receiving the GPS information generation command signal. Although the portable terminal 120 may be configured to continuously transmit GPS information and SNR information to the management server 140 , if configured as described above, the power consumption of the portable terminal 120 may be reduced.

The management server 140 may determine whether there is an anomalous use suspicious situation based on an SNR value and an error between the GPS information of the portable terminal 120 and the vehicle GPS information of the location information terminal 100 . That is, when the error between GPS information is large and the SNR value is good, or the SNR value is smaller than a preset threshold, the management server 140 may determine that the abnormal use is suspicious.

For example, when the insurance policyholder arbitrarily manipulates the location information terminal 100 so that GPS reception cannot be improved, the vehicle GPS information received from the location information terminal 100 and the SNR value received from the portable terminal 120 are It is good, and since the error between the GPS information will be large, the management server 140 may determine that in this case, it is a suspicious use of anomaly.

In addition, when the insured person coats the outside of the vehicle using a metal film, the reception sensitivity of the GPS signal inside the vehicle may be significantly reduced, and in this case, the SNR value will come out quite small, and the location The information terminal 100 and the portable terminal 120 cannot generate correct GPS values. Even in this case, the control unit 146 may determine that the abnormal use is suspicious.

Meanwhile, the management server 140 may include a suspicion signal generating unit 148 configured to generate an anomalous usage suspicion signal when it is determined that there is an anomalous usage suspicion signal. In this case, the generated suspicious use signal may be transmitted to the insurance company server 160 using the first server communication unit 142 .

The insurance company server 160 may be configured to receive a suspicious use suspicious signal from the management server 140 . To this end, the insurance company server 160 may include a second server communication unit 162 , and the second server communication unit 162 may support wired/wireless communication.

Meanwhile, the insurance company server 160 may include a warning message generating unit 164 configured to generate a warning message when the anomalous use suspicious signal is received more than a preset number of times. The preset number may be changed according to the policy of the insurance company. The generated warning message may be transmitted to the subscriber's mobile terminal 120 using the second server communication unit 162 .

Referring to FIG. 2 , the location information terminal 100 is mounted on a vehicle and operates when the vehicle is started ( S200 ). When the location information terminal 100 operates, the location information terminal 100 transmits vehicle GPS information to the management server 140 (S202). In this case, the vehicle GPS information may be transmitted to the management server 140 in real time.

The mobile terminal 120 is wirelessly connected to the vehicle ( S204 ), and an application 122 that transmits a MAC address and a subscriber identifier may be installed in the mobile terminal 120 . In this case, the mobile terminal 120 transmits the MAC address and the subscriber's identifier to the management server 140 (S206). On the other hand, the processes S204 and S206 do not necessarily have to be made after the process S202, and may be made before the process S202 or may be made simultaneously.

The management server 140 receives the MAC address and the identifier of the subscriber, and matches the received MAC address and the identifier of the subscriber with the subscriber information (S208). Here, the subscriber information may be stored in the management server 140 .

In addition, the management server 140 determines whether the vehicle GPS information is periodically received from the location information terminal 100 (S210). However, although not shown in FIG. 2 , when the management server 140 fails to match the subscriber information, the management server 140 does not determine whether the vehicle GPS information is received, but receives the vehicle GPS information. can be stopped

For example, when an insured person rides a vehicle owned by another person and wirelessly connects the vehicle owned by another person to the subscriber's mobile terminal 120, the vehicle's unique number and subscriber information are not matched. It may not determine whether GPS information is received.

On the other hand, when the vehicle GPS information is not received periodically, the management server 140 transmits a suspicious anomalous use signal to the insurance company server 160 (S212). That is, when the management server 140 receives the MAC address and the subscriber's identifier from the mobile terminal 120 but does not periodically receive vehicle GPS information from the location information terminal 100, for example, the insurance subscriber receives the location information terminal ( When the mobile terminal 120 is wirelessly connected to the vehicle while the 100) is detached from the vehicle, the management server 140 may transmit a suspicious anomalous use signal to the insurance company server 160 .

When the management server 140 periodically receives the vehicle GPS information, the management server 140 may transmit a GPS information generation command signal to the portable terminal 120 (S214). Upon receiving the GPS information generation command signal, the mobile terminal 120 may generate the GPS information of the mobile terminal 120 and SNR information for the GPS signal and transmit it to the management server 140 (S216). Accordingly, the management server 140 may receive the GPS information of the portable terminal 120 and the SNR information for the GPS signal from the portable terminal 120 .

The management server 140 determines whether there is an anomalous use suspicious situation based on the error and SNR information between the GPS information of the portable terminal 120 and the vehicle GPS information of the location information terminal 100 (S218).

When the management server 140 determines that the abnormal use is suspected, the management server 140 transmits a suspicious abnormal use signal to the insurance company server 160 (S220). Although not shown in FIG. 2 , the insurance company server 160 receiving the suspicious anomalous use signal may transmit a warning message to the portable terminal 120 based on the number of times the anomalous use suspicious signal is received.

On the other hand, the suspicious anomalous use signal transmitted in step S212 and the suspicious anomalous use signal transmitted in step S220 may consist of the same signal, but may be formed of different signals so that the insurance company server 160 can distinguish each signal. do. In this case, it is also possible to distinguish whether the insured's anomalous behavior is of any kind.

Referring to FIG. 3 , the location information terminal 100 is mounted on a vehicle and operates when the vehicle is started ( S300 ). When the location information terminal 100 operates, the location information terminal 100 transmits a beacon signal to the portable terminal 120 (S302). Here, the beacon signal may be transmitted from the location information terminal 100 to the mobile terminal 120 one or more times, including information corresponding to the subscriber information stored in the management server 140 .

The mobile terminal 120 receiving the beacon signal from the location information terminal 100 transmits information about the beacon signal to the management server 140 (S304). On the other hand, the location information terminal 100 transmits the vehicle GPS information to the management server 140 (S306). In this case, the vehicle GPS information may be transmitted to the management server 140 in real time. On the other hand, the process S306 does not necessarily have to be done after the processes S302 and S304, and may be made before the processes S302 and S304, or may be made simultaneously.

The mobile terminal 120 is wirelessly connected to the vehicle ( S308 ), and an application 122 that transmits a MAC address and a subscriber identifier may be installed in the mobile terminal 120 . In this case, the mobile terminal 120 transmits the MAC address and the subscriber's identifier to the management server 140 (S310). On the other hand, the processes S308 and S310 also do not necessarily have to be made after the processes S302 and S304, and may be made before the processes S302 and S304, or may be made simultaneously.

The management server 140 receives the MAC address and the identifier of the subscriber, and matches the received MAC address and the identifier of the subscriber with the subscriber information (S312).

In addition, the management server 140 determines whether information on the beacon signal and vehicle GPS information has been received (S314). That is, the management server 140 may determine whether information on the beacon signal is received from the portable terminal 120 , and may determine whether vehicle GPS information is periodically received from the location information terminal 100 .

However, although not shown in FIG. 3 , when the management server 140 fails to match the subscriber information, the management server 140 does not determine whether information about the beacon signal and vehicle GPS information is received, and the beacon It is possible to stop receiving information about signals and vehicle GPS information. An example of this is the same as that described in the method for detecting anomalous use of automobile insurance according to the first embodiment of the present disclosure, and thus will be omitted herein.

On the other hand, when the management server 140 does not receive the information on the beacon signal and the vehicle GPS information, it transmits a suspicious use suspicious signal to the insurance company server 160 (S316).

That is, when the management server 140 receives the MAC address and the identifier of the subscriber from the mobile terminal 120 , but does not receive information about the beacon signal from the mobile terminal 120 , for example, the insurance subscriber receives the location information terminal 100 . ), when the mobile terminal 120 is wirelessly connected to the vehicle while being detached from the vehicle from the beginning, the management server 140 may transmit a suspicious anomalous use signal to the insurance company server 160 .

In addition, the management server 140 receives the MAC address and the identifier of the subscriber from the mobile terminal 120 , and receives information about the beacon signal from the mobile terminal 120 , but receives the vehicle GPS information from the location information terminal 100 . If it is not received periodically, for example, when the insurance subscriber detaches the location information terminal 100 from the vehicle while driving, and the mobile terminal 120 is wirelessly connected to the vehicle, the management server 140 is the insurance company server 160 . It can transmit a suspicious signal for anomalous use.

Meanwhile, in the method for detecting anomalous use of car insurance according to the second embodiment of the present disclosure, unlike the method for detecting anomalous use of car insurance according to the first exemplary embodiment of the present disclosure, the location information terminal 100 includes the mobile terminal 120 ) to transmit a beacon signal, and the mobile terminal 120 transmits information on the beacon signal to the management server 140 .

For example, when the insurance subscriber's location information terminal 100 is mounted on a vehicle other than the subscriber's vehicle and the insurance subscriber's mobile terminal 120 is wirelessly connected to the subscriber's vehicle, the According to the second embodiment, this can be determined as a suspicious use of anomaly. That is, in the method for detecting anomalous use of a vehicle according to the second embodiment of the present disclosure, the mobile terminal 120 and the vehicle owned by the subscriber must be located close to each other so that the mobile terminal 120 can receive the beacon signal. , because the portable terminal 120 does not receive the beacon signal, the management server 140 may determine that the abnormal use is suspicious.

When the management server 140 receives information about the beacon signal and periodically receives vehicle GPS information, the management server 140 may transmit a GPS information generation command signal to the portable terminal 120 (S318). . Upon receiving the GPS information generation command signal, the mobile terminal 120 may generate the GPS information of the mobile terminal 120 and SNR information for the GPS signal and transmit it to the management server 140 (S320). Accordingly, the management server 140 may receive the GPS information of the portable terminal 120 and the SNR information for the GPS signal from the portable terminal 120 .

The management server 140 determines whether there is an anomalous use suspicious situation based on the error and SNR information between the GPS information of the portable terminal 120 and the vehicle GPS information of the location information terminal 100 (S322). An example of this is the same as that described in the method for detecting anomalous use of automobile insurance according to the first embodiment of the present disclosure, and thus will be omitted herein.

When the management server 140 determines that the abnormal use is suspected, the management server 140 transmits a suspicious abnormal use signal to the insurance company server 160 (S324). Although not shown in FIG. 3 , the insurance company server 160 receiving the suspicious anomalous use signal may transmit a warning message to the portable terminal 120 based on the number of times the anomalous use suspicious signal is received.

Meanwhile, the suspicious anomalous use signal transmitted in step S316 and the suspicious anomalous use signal transmitted in step S324 may consist of the same signal, but may also be formed of different signals so that the insurance company server 160 can distinguish each signal. do. In this case, it is also possible to distinguish whether the insured's anomalous behavior is of any kind.

As described above, according to the method and system for detecting anomalous use of automobile insurance according to an embodiment of the present disclosure, by detecting and preventing an anomalous behavior of the vehicle owner, accurate GPS information of the vehicle is received, and accordingly, the correct mileage It has the effect of accurately calculating insurance premiums by measuring

The above description is merely illustrative of the technical idea of this embodiment, and a person skilled in the art to which this embodiment belongs may make various modifications and variations without departing from the essential characteristics of the present embodiment. Accordingly, the present embodiments are intended to explain rather than limit the technical spirit of the present embodiment, and the scope of the technical spirit of the present embodiment is not limited by these embodiments. The protection scope of this embodiment should be interpreted by the following claims, and all technical ideas within the scope equivalent thereto should be interpreted as being included in the scope of the present embodiment.

[Description of code] 100: location information terminal, 102: first GPS value generator, 104: first wireless transceiver, 106: beacon signal generator, 120: mobile terminal, 122: application, 124: second wireless transmission and reception Part, 126: second GPS value generation unit, 128: SNR value generation unit, 140: management server, 142: first server communication unit, 144: subscriber information storage unit, 146: control unit, 148: suspicious signal generation unit, 160: Insurance company server, 162: second server communication unit, 164: warning message generating unit

[CROSS-REFERENCE TO RELATED APPLICATION][CROSS-REFERENCE TO RELATED APPLICATION]

This patent application claims priority to Patent Application No. 10-2020-0158209 filed in Korea on November 23, 2020, which is incorporated herein by reference in its entirety.

Claims

A method of detecting anomalous use of a vehicle by a subscriber of mileage-linked car insurance, the method comprising:

receiving, by a management server, the MAC address and the identifier from a mobile terminal in which an application for transmitting the MAC address of the Bluetooth module provided in the vehicle and the identifier of the subscriber is installed;

matching, by the management server, the received MAC address and the identifier with subscriber information stored in the management server;

determining, by the management server, whether vehicle GPS information is periodically received from the location information terminal configured to be detachable from the vehicle; and

When the vehicle GPS information is not received periodically, the management server transmits a suspicious use signal for the subscriber to the insurance company server

A method for detecting anomalies, including:
The method of claim 1,

When the management server periodically receives the vehicle GPS information, the management server further comprising the step of receiving the GPS information of the portable terminal and SNR (Signal to Noise Ratio) information for the GPS signal from the portable terminal Anomaly detection method, characterized in that.
3. The method of claim 2,

After receiving the GPS information of the portable terminal and the SNR information for the GPS signal,

Car insurance, characterized in that the management server further comprises the step of determining whether anomalous use is suspected based on an error between the GPS information of the portable terminal and the vehicle GPS information of the location information terminal and the SNR information A method of detecting anomalies that interfere with mileage calculations.
a management server configured to calculate a vehicle mileage of a subscriber of mileage-linked automobile insurance;

an application installed by a mobile terminal owned by an insurance subscriber and configured to transmit a MAC address of a Bluetooth module provided in the vehicle and an identifier of the subscriber to the management server; and

and a location information terminal configured to be detachably attached to the vehicle and configured to transmit, to the management server, geographic location information received from a global navigation system (GNSS) as vehicle GPS information,

The management server,

Receive the MAC address and the identifier, match the subscriber information stored in the management server, and determine whether the vehicle GPS information is periodically received from the location information terminal to determine a suspicious situation of anomaly use system to do.
5. The method of claim 4,

The portable terminal is configured to transmit the GPS information of the portable terminal and SNR information for the GPS signal to the management server,

The management server is configured to determine whether there is an anomalous use suspicious situation based on an error between the GPS information of the portable terminal and the vehicle GPS information of the location information terminal and the SNR information.
A method of detecting anomalous use of a vehicle by a subscriber of mileage-linked car insurance, the method comprising:

receiving, by a management server, the MAC address and the identifier from a mobile terminal in which an application for transmitting the MAC address of the Bluetooth module provided in the vehicle and the identifier of the subscriber is installed;

matching, by the management server, the received MAC address and the identifier with subscriber information stored in the management server;

determining, by the management server, whether information on a beacon signal transmitted from a location information terminal configured to be detachable from the vehicle has been received from the portable terminal; and

When the management server does not receive information on the beacon signal from the mobile terminal, the management server transmits a suspicious use suspicious signal to the insurance company server

A method for detecting anomalies, including:
7. The method of claim 6,

The beacon signal is

The method for detecting anomaly use, characterized in that the information corresponding to the subscriber information stored in the management server is transmitted from the location information terminal to the mobile terminal at least once at a preset period.
7. The method of claim 6,

The process of determining whether the management server has received information on the beacon signal from the portable terminal comprises:

and determining, by the management server, whether vehicle GPS information is periodically received from the location information terminal.
9. The method of claim 8,

When the management server receives information on the beacon signal from the portable terminal and periodically receives the vehicle GPS information from the location information terminal,

The method for detecting anomalous use preventing mileage calculation for automobile insurance, characterized in that it further comprises the step of receiving, by the management server, the GPS information of the portable terminal and SNR information of the GPS signal from the portable terminal.
10. The method of claim 9,

After receiving the GPS information of the portable terminal and the SNR information for the GPS signal,

Car insurance, characterized in that the management server further comprises the step of determining whether anomalous use is suspected based on an error between the GPS information of the portable terminal and the vehicle GPS information of the location information terminal and the SNR information A method of detecting anomalies that interfere with mileage calculations.
a management server configured to calculate a vehicle mileage of a subscriber of mileage-linked automobile insurance;

an application installed by a mobile terminal owned by an insurance subscriber and configured to transmit a MAC address of a Bluetooth module provided in the vehicle and an identifier of the subscriber to the management server; and

A location information terminal configured to be detachable from the vehicle and configured to transmit, to the management server, geographic location information received from a global navigation system (GNSS) as vehicle GPS information, and to transmit a beacon signal to the portable terminal including,

The management server,

Receive the MAC address and the identifier and match the subscriber information stored in the management server, whether the vehicle GPS information is periodically received from the location information terminal, and whether information on the beacon signal is received from the portable terminal A system, characterized in that it is configured to determine a suspicious use of anomaly based on the
12. The method of claim 11,

The portable terminal is configured to transmit the GPS information of the portable terminal and SNR information for the GPS signal to the management server,

The management server is configured to determine whether there is an anomalous use suspicious situation based on an error between the GPS information of the portable terminal and the GPS information of the location information terminal and the SNR information.